Questions and Answers
The Providence is committed to providing our policyholders with excellent service 24 hours a day, seven days a week. You may have a question about how to access emergency assistance, filing a claim, or a property loss. You may also want to know about The Providence's convenient billing programs. To assist you, we have highlighted the most frequently asked questions. We also provide you with news about The Providence and a convenient easy way to contact us.
You, too, can trust The Providence. We stand ready to help.
Questions and Answers about ClaimsWhat do I do if I have an emergency in the middle of the night or a loss on a weekend or holiday?
The Providence's 24-hour claims service is available after normal business hours. If you need to report a claim that requires emergency assistance, call our toll-free number (877) 763-1800. You will be directed to an after-hours service provider.
How will I know if my damaged property is covered by my insurance?
Usually your agent will be able to tell you if the loss is covered or not. However, if there are still some questions, the Providence Mutual claims staff is happy and able to help you.
When can I start repairs to my damaged property?
Usually, our adjuster will need to see the damaged property prior to repairs being started. However, if you need to protect your property from further damage, you should make emergency repairs and keep a record of your expenses.
Do all property damage claims need to be seen by an adjuster?
Not always. Some minor claims, those that can be easily repaired, do not have to be seen. Usually an estimate from your contractor will suffice. Be sure to keep all of the paperwork!
When will I receive payment for the loss?
As soon as our adjuster sees the damaged property, we will issue a check to cover the cost of repairs, less the deductible amount on your policy.
Questions and Answers about the Direct Bill ProgramCan you explain The Providence's direct billing program?
Whether you are a new policyholder, renewing your policy, or using the Mortgagee Billing Program, the following information provides all the information you need to understand The Providence's Direct Billing Programs.
Payment Options
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4 Pay Plan - 25% Down
3 Installments - Each for 25% of premium billed every 60 days. -
5 Pay Plan - 20% Down
4 Installments - Each for 20% of premium, billed every 45 days. -
9 Pay Plan - 20% Down
8 Installments - Each for 10% of the remaining premium, billed every 33 days. -
10 Pay Plan (Rhode Island Automobile Only)
9 Installments - Each for 1/9 of the remaining premium balance
A service charge of $3.00 will be added to each installment. A charge of $15.00 will be added for insufficient funds or returned checks (with the exception of New Jersey & Rhode Island).
Questions and Answers about Electronic Payment OptionsWhat options are available?
The Providence is pleased to offer three different methods of paying your bill electronically: electronic funds transfer, electronic check payment and debit and credit card payment.
Electronic funds transfer
The EFT bill plan includes 10 equal installments. To register, complete the EFT Authorization Form and send it to The Providence Mutual Fire Insurance Company Billing Department along with a voided check or savings account deposit slip. Pick the date you want the withdrawals to be made on – the 5th, 15th, or the 25th of the month. You will receive a statement ten days prior to the withdrawal date notifying you of the amount to be withdrawn from your account.
There is no service charge assessed when you are enrolled in our EFT program.
Electronic Check Payment
Pay by electronic check on our website; click on Pay Your Bill Online. You will need a copy of your billing statement and your checkbook. There is no additional fee for using this service.
Debit and Credit Card Payment
Pay by debit or credit card on our website; click on Pay Your Bill Online and follow the instructions to pay by debit or credit card. You will need a copy of your billing statement. There is an additional fee charged by the transaction processing vendor when you use this option. The transaction fee will be shown prior to processing the payment.
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